Search found 666 matches

by bayview
Wed Feb 10, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 42
Views: 5140

Re: Flagship Investor with 700 credit score ?

Great input from everyone. Thank You to everyone who replied. This all started on recent trip to Carmax to replace my (16 YO ) daughters 235,000 mile car. Salesman was young guy, recent graduate who gave my daughter a talk that I would have paid for about " it does not mater how much money you...
by bayview
Wed Feb 10, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: keep or sell house after separation
Replies: 36
Views: 2030

Re: keep or sell house after separation

If I recall correctly, your brokerage account is your inheritance, and you have expressed a lot of anxiety about proper investment and not letting it drop in value. If so, leaving aside all the divorce-related legal implications (whatever they might be), doesn't it come down to this? --either pay yo...
by bayview
Wed Feb 10, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: alleged pharmacist malpractice- does wife need a lawyer?
Replies: 32
Views: 2643

Re: alleged pharmacist malpractice- does wife need a lawyer?

...My personal injury lawyer buddy in Chicago won a mega-verdict against Walgreens a bunch of years ago. The malpractice was clearly the fault of a pharmacist, but he went after the employer since it had the DEEP pockets (and the pharmcist wasn't separately insured.) It might be worth an umbrella p...
by bayview
Wed Feb 10, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 43
Views: 3184

Re: What is your opinion on the Federal goverment retirement plan?

... government provides a pension (paying 1% of highest three wage average) and 5% into 401k equivalent... and 4.4% of the salary is the employee contribution for the pension plan. Just to make sure you're looking at that correctly... It's not just 1% of the high 3, it's 1% of the high 3 x years of...
by bayview
Sun Feb 07, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 2698

Re: Can a minor child sue former guardians for theft once they turn 18

I am sorry for long post but it is impossible to ask question without giving information. Again, I gave you information because it will be near impossible to get a lawyer and I was just hoping someone could steer me in right direction. It is easy to say get a lawyer. If I thought I could I would. P...
by bayview
Sun Feb 07, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: I Lost My FInancial Brain - Please Help
Replies: 73
Views: 6332

Re: I Lost My FInancial Brain - Please Help

I realized it depended on what years I had good or bad returns. I thought I must be doing something wrong - everywhere I had seen that beautiful exponential ascending graph of compounded returns, with that figure of 6% compounded annually for some 75 years, so you will be safe with it an indexed fu...
by bayview
Sun Feb 07, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: I Lost My FInancial Brain - Please Help
Replies: 73
Views: 6332

Re: I Lost My FInancial Brain - Please Help

...Thanks for the words of advice - my antennae is up - I will not sign anything next meeting, will see what competitors can do for me! I'm adding my condolences to those from everyone else. Certainly, it has been a year and a half of hell for you. I'd just like to plant this thought in your brain:...
by bayview
Sun Feb 07, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes! FA is killing me...desperate to know how to fire FA and DIY?
Replies: 38
Views: 4340

Re: Yikes! FA is killing me...desperate to know how to fire FA and DIY?

...Yes, when the time comes we will both have soc sec. I have not checked on the amt for a couple of yrs so I have no firm figures on that. Easy to do! If you haven't already: https://www.socialsecurity.gov/myaccount/ Set up your registration, and off you go. It looks like they have the 2015 figure...
by bayview
Sun Feb 07, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Vacation Homes
Replies: 41
Views: 4085

Re: Vacation Homes

If you are a hospitalist or something else where you work one 80-hour week on, one off, and you'll be at the vacation house every off week, then yes. Otherwise, no. There's no way that you'll get the use out of it to make up for the expense, maintenance, and general one-more-thing-to-think-about fac...
by bayview
Sat Feb 06, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 48
Views: 3407

Re: Advice for parents with Perfectionist Child?

Find a family activity where no one's very good, but you have fun anyway. (You might need some pillow talk with your wife on this one, from what you wrote. :D) Maybe she needs to see the fam be klutzy and not exactly Sunday-evening-highlight-reel material to realize that there are different ways of ...
by bayview
Thu Feb 04, 2016 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5314

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

80+% when accounting for fun money and rare big purchases. 100% of everyday expenses.

But it will be five years before this happens. :(
by bayview
Thu Feb 04, 2016 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: TSP doesn't credit dividends & interest?
Replies: 14
Views: 837

Re: TSP doesn't credit dividends & interest?

dm200 wrote:...In fact, doing it this way keeps things MUCH simpler for both you and the administration of the TSP.


And therefore cheaper!
by bayview
Wed Feb 03, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Jet Blue moving to Barclays
Replies: 4
Views: 464

Re: Amex Jet Blue moving to Barclays

Other than the temporary ding from the new account and new app, your score shouldn't suffer from a lower CL, unless you allow high balances to report (even though you pay them in full.) Your credit utilization is $reported balances divided by $credit limit. Lower balances and/or higher limits keep r...
by bayview
Tue Feb 02, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15735

Re: Unwinding day old terrible car deal for mother-in-law

Sounds palatable, and in the end, that's what matters. Also good move in not co-signing.

I hope that your MIL is willing to put aside any pride and work in cooperation with you and your wife in the future.
by bayview
Tue Feb 02, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 51
Views: 5239

Re: Friend is an Edward Jones financial advisor -- should I drop him?

This thread https://www.bogleheads.org/forum/viewtopic.php?f=1&t=180992&newpost=2783444#p2741878 has a link to this delightful little saga. This is my favorite - "The Edward Jones Saga" - :P http://www.kronstantinople.blogspot.com/p/edward-jones-saga.html The saga should answer yo...
by bayview
Tue Feb 02, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitter not providing SSN
Replies: 59
Views: 5359

Re: Babysitter not providing SSN

To clarify: this is merely a tax related question that has caught me by surprise. Childcare is complying with FSA regulations, babysitter has obtained and provided us FBI clearance, was vetted by local agency etc... I would think that she would have had to provide her SSN for these. Is it redacted ...
by bayview
Tue Feb 02, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15735

Re: Unwinding day old terrible car deal for mother-in-law

...Anyone think it makes sense for my wife to try to co-sign to get the 1.9% on a new civic? What I always advise when someone asks about a co-sign, just as if they ask about a loan to a family member or friend, etc.: If you're willing to consider it a gift, and if you think the vehicle in question...
by bayview
Sun Jan 31, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement - Ten key years + Summary
Replies: 64
Views: 10332

Re: Retirement - Ten key years

2. Begin to create a cash reserve (or if you wish a “safe” bucket). You might broaden this to include the Bill Bernstein's take on liability matching portfolios + risk portfolios. We won't have nearly the assets that others do on this forum when I finally retire, but a 20-year LMP beginning with my...
by bayview
Sun Jan 31, 2016 8:39 pm
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 1557

Re: Best place to travel July/August for 1-2 weeks?

My friend and I are graduating medical fellowship and have july and August off before starting our new jobs. We always said we would take advantage of the time off to travel. Any recommendations for a 1-2 week trip? We want to try to do something that will be close to impossible to do in future wit...
by bayview
Sun Jan 31, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 111323

Re: What are you up YTD? [Year To Date]

Current AA, which has changed a lot as we have started to implement separate LMP/RP allocations: RP: 55% US 13% international 32% Treasuries LMP: 95% G fund 5% C fund The portfolio results are for the combined portfolios: Trailing portfolio return (time-weighted return, comparable return) Portfolio ...
by bayview
Sun Jan 31, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: has anyone recently refinanced with PenFed?
Replies: 8
Views: 830

Re: has anyone recently refinanced with PenFed?

As best as we can remember, it was right at six weeks, 2nd week of January to very end of February.
by bayview
Sat Jan 30, 2016 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Two spenders and buying a house
Replies: 43
Views: 3826

Re: Two spenders and buying a house

yellowgirl wrote:We made an offer on Friday. I am going to go through all the comments later.

Very exciting, and I hope that you wind up where you want to be!

Frankly, I am jelly. :D
by bayview
Sat Jan 30, 2016 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: has anyone recently refinanced with PenFed?
Replies: 8
Views: 830

Re: has anyone recently refinanced with PenFed?

We refi'd with PenFed almost exactly a year ago. It was slower than Christmas, especially for a refi which IMO ought to go more quickly than an initial purchase, but it finally went through. I felt that their communication was pretty much awful. When I'd finally get ahold of someone, the response wa...
by bayview
Sat Jan 30, 2016 9:12 pm
Forum: Investing - Theory, News & General
Topic: Graham's "margin of safety" for US stocks (1-29-16)
Replies: 61
Views: 9850

Re: Graham's "margin of safety" for US stocks (1-29-16)

...I strongly recommend that all serious investors should read Mr. Bernstein's The 60/40 Solution. It is full of valuable information by a famous teacher of understandable investment economics. Best wishes Taylor Link to article cited by Taylor: http://web.archive.org/web/20061214061904/http://dfma...
by bayview
Sat Jan 30, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: "Why Simple Is Still a Hard Sell"
Replies: 24
Views: 4548

Re: "Why Simple Is Still a Hard Sell"

I am a bit confused is simplicity in reference to holding as few assets in a portfolio to make it easier to manage OR are we talking about simplicity as in passive management makes one a better investor? Is the goal of investing to hold less funds so it is "easier" to manage or to attempt...
by bayview
Sat Jan 30, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: How safe are Bonds? Is cash a good substitute?
Replies: 18
Views: 1964

Re: How safe are Bonds? Is cash a good substitute?

Is there such a critter as a chart that displays real, rather than nominal, returns for various funds and ETF's, or at least for various indices? I've made some feeble jabs in Google but haven't had any luck. (And I realize that there are differing ways of measuring inflation, but I'll be happy with...
by bayview
Sat Jan 23, 2016 2:37 pm
Forum: Investing - Theory, News & General
Topic: Getting stuck in an Asset Allocation you don't want
Replies: 37
Views: 3331

Re: Getting stuck in an Asset Allocation you don't want

One common theory is to be weighted more towards equities while younger and ramp up bonds towards retirement. So maybe start 90/10 and move towards 50/50. For those who have done this, was there ever a time you felt you might get stuck at a more aggressive AA than you wanted? For example, if you we...
by bayview
Sat Jan 23, 2016 8:07 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6949

Re: What was your % pay raise?

We get paid bi-weekly so generally there are 26 pay periods a year but this year because of how the pay days line up we will actually receive 27 paychecks in 2016. In light of this the company decided that would be our raise which they tried to convince us was a 3.8% raise. Funny how we get a 3.8% ...
by bayview
Fri Jan 22, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey said employers can make ROTH employer contributions?
Replies: 7
Views: 1427

Re: Dave Ramsey said employers can make ROTH employer contributions?

This is how it works with the Roth TSP as well. Just remember that Roth 401(k)s, Roth TSPs etc --as opposed to Roth IRA's --are still subject to RMD's. So you'll have to pull money out, you just won't have to pay taxes on the withdrawals. (You will have to pay tax on your employer match, which is in...
by bayview
Fri Jan 22, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6949

Re: What was your % pay raise?

Federal employee here. The overall raise was announced as 1.3%, 1% for the underlying pay plus up to 0.3% for locality pay. Here in RUS land (Rest of US), my raise worked out to not quite 1.17%. Whee! I also received a one-time merit bonus, I suppose it's called, generated by some arcane secret form...
by bayview
Tue Jan 19, 2016 8:09 pm
Forum: Investing - Theory, News & General
Topic: Downside protection
Replies: 19
Views: 1832

Re: Downside protection

Interesting, and I just gave my Treasury funds and G fund a hug, but it's hard to take seriously a YTD chart that only includes 18 or 19 days, including weekends and two holidays.
by bayview
Tue Jan 19, 2016 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: VA physican Roth TSP vs. Traditional TSP Investment.
Replies: 9
Views: 733

Re: VA physican Roth TSP vs. Traditional TSP Investment.

Your pension does include your locality pay, at least it does for us non-physician computer jockeys. :D I'm pretty sure that it's no different for physicians. Note that it says "basic" pay, not base pay. Pension does not include overtime pay, etc. https://www.opm.gov/retirement-services/fe...
by bayview
Tue Jan 19, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 7905

Re: Amazon Prime: doing the math...is it worth it?

I skipped a couple of replies, so SIAP, but one huge value I find with Prime: ordering heavy/ bulky items. My auxiliary clothing rack , sorry, my recumbent exercycle :D was huge and heavy in the box, and shipping would have cost more than Prime. We recently remodeled our old Craftsman bungalow, and ...
by bayview
Tue Jan 19, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10206

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

My wife gives me a hard time because I usually let the gas guage get near empty before filling up. One way that I look at it is that on any given day or two, I might drop dead and had I filled up the tank - that money would not be gained back. Leaving your grieving (and also irritated) widow to fil...
by bayview
Mon Jan 18, 2016 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Well Done Ally Bank - CD purchase
Replies: 26
Views: 3475

Re: Well Done Ally Bank - CD purchase

I opened a savings account with Ally about six months ago. They did NOT pull my credit. I know this for a fact, as we were in the process of getting a HELOC, and I was watching my credit reports closely, as was the loan officer. Well, unless they pulled from one of the wacko services (other than Exp...
by bayview
Mon Jan 18, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: Sharing Advice from meeting with High Level Vanguard Advisor
Replies: 61
Views: 8182

Re: Sharing Advice from meeting with High Level Vanguard Advisor

My youngest, age 28, finally has a real job. As her "Uncertified Financial Planner" (her title for me), I suggested 80/20 initially while she sees how it feels to contribute biweekly and barely see your balances budge for a while. If she can handle it, she can decide to go to 85/15 or 90/1...
by bayview
Sun Jan 17, 2016 8:38 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 135
Views: 47791

Re: A time to EVALUATE your jitters

What do you all think of this: [OT link removed by admin LadyGeek] I know that "nobody knows what will happen in the markets". However, this person's predictions are coming true one by one... could this really be the start of the dollar's collapse and lead to "making the whole financ...
by bayview
Fri Jan 15, 2016 6:58 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10725

Re: Who's buyin' today?

Bought yesterday; 100% of my TSP bi-weekly contribution into C fund (I'm using new contributions to get my C:S ratio more reasonable.)

I was away from my computer from 2:30 to 4:00 and missed the chance to do some rebalancing in the IRAs.
by bayview
Fri Jan 15, 2016 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: My 401(K) -13% (1yr)
Replies: 26
Views: 2008

Re: My 401(K) -13% (1yr)

I started a new 401k a year and a few months ago. I maxed it out in order to transfer taxable money into it. I've become quite conservative after losing a lot in the market. I started off with 30% stock, 30% bonds 40% cash. My ultimate goal was 50/50 stocks and bonds (I'm age 30) but I wanted to so...
by bayview
Wed Jan 13, 2016 6:56 pm
Forum: Investing - Theory, News & General
Topic: What do you use to calculate total % up or down each year?
Replies: 37
Views: 1661

Re: What do you use to calculate total % up or down each year?

How about our wiki: Calculating personal returns page? It explains the different types of returns ( investor return vs portfolio return ) and provides an easy-to-use online spreadsheet to calculate them. I use this, because I'm still adding to my retirement funds, and it works well for that. Once i...
by bayview
Sat Jan 09, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2722
Views: 538246

Re: U.S. stocks in freefall

I was wondering, what are your thoughts on this argument below? It's garbage, classic investment porn. Tomorrow he'll write that there will not be a recession because it's an election year. You should stop reading this stuff. Tune out the noise. L. +1 It can worm its way into the minds of the most ...
by bayview
Fri Jan 08, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 12946

Re: worst first four opening days in HISTORY for S&P 500

It is even worse than that. Often the robot-generated headlines convey a tone that is the exact opposite of the facts being reported. I recall hearing one last year that was along the lines of "this is the largest drop since since [some year about 3 years ago]" which was conveyed in a man...
by bayview
Thu Jan 07, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2722
Views: 538246

Re: U.S. stocks in freefall

At one point in 2008-09 when I became particularly frazzled, I changed all my new TSP contributions to G fund, because I just wasn't comfortable with the equity-heavy AA I had at the time. But I never sold my existing funds, especially at a loss. This helped calm me down, in that I was addressing my...
by bayview
Sun Jan 03, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Giant Digital Picture Frame
Replies: 7
Views: 656

Re: Giant Digital Picture Frame

Very cool. Can you display multiple pictures at once, or is it only a succession of gi-normous individual photos?
by bayview
Fri Jan 01, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: Teaching Family the Bogle Way
Replies: 29
Views: 2686

Re: Teaching Family the Bogle Way

I would think that the approach most likely to be accepted by survivors is to simplify your current portfolio (i.e., get rid of tilts etc.) and suggest some version of a three-fund portfolio, one that pretty much matches what you're currently doing in your AA. You don't have to do it now while you'r...
by bayview
Fri Jan 01, 2016 2:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 111323

Re: What are you up YTD? [Year To Date]

Once again, I am using longinvest's calculator https://www.bogleheads.org/wiki/Calculating_personal_returns, because I like having a consistent means of reporting returns. I understand that everyone has their own way of tracking things, but it sure would be nice if they also used this calculator. Ha...
by bayview
Thu Dec 31, 2015 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 25005

Re: What are your 2 retirement numbers?

DR wrote:About 450K denominated in 2016 dollars. (assuming inflation of 3% and nominal returns of 5.5%).

I was starting to think that I was the only one...
by bayview
Fri Dec 25, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6443

Re: Navy Federal CU Special Certificate Offering

Again though, that was 5 years or so ago. They had just opened Navy up to all services, and there was obviously a push to sign up new members. That is what I meant above about CU quirkiness. Sometimes the rules are a lot more elastic than at other times. I would not characterize this as either &quo...
by bayview
Fri Dec 25, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: How does this kind of credit card fraud happen?
Replies: 31
Views: 3259

Re: How does this kind of credit card fraud happen?

But this is the first time it's happened when I've never physically given the credit card to somebody to run, and my instances of using it are so limited, it just makes me wonder how it could have happened! I don't have an answer, but I recently has a similar experience with Chase. I received CSP a...
by bayview
Fri Dec 18, 2015 6:23 am
Forum: Investing - Theory, News & General
Topic: Investing : Bogle's current personal allocation
Replies: 10
Views: 1423

Re: Investing : Bogle's current personal allocation

sawhorse wrote:I wonder why he does 53/47 instead of 50/50.

Perhaps he hasn't rebalanced in a while, and it has grown from 50/50.

The last few months might help with that. :?

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